A frequent question I receive is how do I grow my money with taking little to no risk at all if investing in the stock market is not for me? The answer I always give for those who are much more conservative is to open up an American Express High-Yield Personal Savings account. As I am writing this blog post at this very moment, the annual percent yield (APY) is 1.35%. And yes, opening up an…

Shopping online is becoming the norm nowadays, often even outmatching in-store sales. Competition for online shoppers is becoming steeper each passing day. Thus, many storefronts are now considering employing cash back incentives to entice customers to shop with them online. How most cash back programs generally work out for the merchant is that instead of passing the entire advertising budget into traditional methods like commercials and Internet advertisements, storefronts are now even considering sharing part…

Believe it or not, having more than one credit card is beneficial to the financial health of your credit history. One of the common myths of owning a credit card is having one too many. But, nowadays, I’ve noticed that the problem most people have is sticking to only one credit card. The one credit card only practice is most likely a result of being fearful of fees and the disciplinary actions of managing many…

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